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Shalini

Shalini Singh  |61 Answers  |Ask -

Dating Coach - Answered on Jun 23, 2023

Shalini Singh is the founder of andwemet, an online matchmaking service for urban Indians living in India and overseas. After graduating from college as a kindergarten teacher, Singh worked at various firms specialising in marketing strategy, digital marketing and public relations before finding her niche as an entrepreneur. In 2008, she founded Galvanise PR, an independent communications and public relations. In 2019, she launched andwemet.
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Asked by Anonymous - Jun 16, 2023Hindi
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Relationship

Hi Madam, I am 36 yrs old girl, working in central govt, I lost my parents long back, all my siblings are elder & busy in their family, brothers doesnt even talk to me, so there is no one who is seriously finding boy for my marriage, I tried through matrimonial apps, it didnt work. Based on my colleague advise, I tried through dating apps but nobody is genuine there, most of them are looking for hook up. Finally I found one guy who is 3 years elder than me but come to know within 3months that he too married but we are in touch through calls & msgs from past 6 years, since I stay alone at quarters, he met me more than 30 times at my place, even spent nights with me but never forced me for anything that I dont like. I love him a lot but he is married so I dont want have physical relationship with him but I too have biological urges but I am scared of getting pregnant or even loosing virginity which might affect my marriage, at the same time I dont have any hopes left on my marriage. This guy has lots of patience , we meet, drink together , do all things except intercourse , could you pls advise me whether I should have sex with him? also I stopped using dating apps as I love this guy.

Ans: I read your question a few times...I will respond it in 3 parts
Part 1:
Current relationship with someone who is not available - You are 36 and are smart to take life decisions. You can do as you wish but incase you get intimate - keep it to that only. Do not let your emotions come to play and get used to him - treat this relationship as a casual relationship which it is already. As for getting pregnant - take precautions, but more than pregnancy you should be worried about STD's hope this man is clean. As for you stopping your search because of this man - Remember - He is NOT AVAILABLE - so rethink why are you being available for someone who is not available to you. You and only you are responsible for your current situation. You have the mind to decide if you wish to continue to know or him or stop this relationship.

Part 2:
Finding someone compatible/ likeminded can become easy if you are (a) not in a hurry (b) know your dealbreakers and negotiables (c) feel confident and good about yourself...if you have these things in place then you would need patience and with that you will find your person - online or offline.

Part 3:
Its unfortunate you lost your parents - a virtual hug coming your way. While parents and sibling do help in introducing their people to others its wrong to Expect them to help - its your relationship and its ok to find your person, in fact its awesome to do so.

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 08, 2022

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Relationship
 Hi Anu, I am a married 32 year old woman, a central govt employee with a 4 year old son. Last year my husband left for some work for 8 to 9 months. He became very busy. He doesn’t give me time at all, very dry, never shows love, goes out with me only after a lot of insistence. He’s always busy with phone and work. But we were happy. I adjusted with everything. But after we left, I started feeling very lonely. I signed up for an extra marital app and started chatting with a man from the same city. After chatting for 6 months, we decided to meet. He is married, and has a 12 year old daughter. I feel happy in his company. He is caring and pampers me. Even after my husband was back we met. We meet once a week after our office hours. We get physically intimate once in two to three months. We do not disturb each other during family time. We talk to each every day for 10 to 15 minutes. Many a times I felt like I was cheating my husband and decided to move on. But I am not able to get over his love and care. I will be transferred to another city in 2 to 3 months. So we decided to have a baby and be in touch always.Pls guide me if am right or wrong.Need your advice. I can't share it with anyone.
Ans:

Dear MS,

You did know the perils of an extra marital app and knew what you were getting into.

You have two ways of looking at your situation.

1. If you choose to continue, you are constantly going to have to juggle between your marriage and this relationship

2. If you choose to be exclusive into your marriage, then you are going to possibly be with a man who is who he is

Now, which side of the fence feels more comfortable to you, is something that you need to assess. Also, external validation is something all of us fall prey to sometime or the other in our lifetime.

Ask yourself:

  • What is lacking in my marriage that is forcing me to step out and explore?
  • Have I tried to communicate my needs to my husband?
  • Are there things that I could have done differently to have a better relationship with my husband?

This might give you a chance to understand where you are and what you can do to give your marriage a fair chance if that is what you wish to do.

Whatever you choose, do remember basing your happiness on an external source will always be short lived and all it gives you is heartache.

Be wise, choose wisely and maybe it’s time to laugh a lot, take a step back, breathe and look at what IS in a different way.

If you still waver, do know that whatever is going on also has an impact on your son. So, steady yourself first, do a reality check and then choose.

Be well and happy!

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2024

Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Apr 16, 2024

Asked by Anonymous - Apr 09, 2024Hindi
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Relationship
Hello madam, i m 32 year married women, my husband love me more than anything, he is good in everything, he take care of me, he bring me whatever i want, he is very good in bed also. We dont have kids because i never loved my husband. Before marriage i had boyfriend, he never accepted me and assured me that he will marry me, so i decided to marry my husband in 2019. Till oct 2022, i used to communicate with my ex boyfriend, but when he got married he stopped calling me and i also stoped thinking about him. Lately, in Sept 2023, i meet guy in my office he is 23, music teacher, not so good looking, not completed graduation, not financial strong but i developed feeling for him. I lied to him, told i am not married, to get close to him. Once my husband caught me cheating with him in whatsapp messages, told me to not do. But still i went ahead to continue my relationship with this young guy and want to live with this guy. I want to divorce and live with young guy. My parents and family love and respect my husband like their own son. I am doing correct or not please suggest me.
Ans: No you certainly are not “doing correct”! Here’s a good man who loves you and treats you well and has forgiven your indiscretions and still you want someone else? You agreed to marry, right - no one put a gun to your head. Now honour that commitment and stop being so fickle-minded. At 23, your boyfriend is really young and immature. Right now you’re all hot and heavy, but give it a minute; realistically your relationship is unlikely to survive in the long run. And you want to hurt your husband and walk out on your marriage for nothing…he’s only ever treated you right. Don’t be a fool!

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 29, 2024Hindi
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Money
Hi Sir. I am 29 years old and have a saving of 5lac now so I want to invest it in lumpsum SIP for 10 years. Could you please suggest me which fund would be better including small, mid and large where I can get over 25 returns
Ans: Investing a lump sum in SIPs for 10 years is a wise move towards building wealth. Considering your age and investment horizon, here's a diversified portfolio suggestion that includes exposure to small, mid, and large-cap stocks:

Large-Cap Fund: Invest a portion of your funds in a reputable large-cap fund known for its consistent performance and stability. Large-cap funds invest in well-established companies with a track record of strong earnings and market leadership.
Mid-Cap Fund: Allocate another portion to a mid-cap fund, which focuses on companies with medium market capitalization. Mid-cap stocks have the potential for higher growth than large-cap stocks but come with higher volatility.
Small-Cap Fund: Lastly, invest in a small-cap fund to capture the growth potential of smaller companies. Small-cap stocks can be more volatile but offer the possibility of significant returns over the long term.
Ensure to select funds with a proven track record, experienced fund managers, and low expense ratios. While aiming for over 25% returns is ambitious, it's crucial to remain realistic and consider the associated risks. Diversification across different market segments can help mitigate risks and enhance potential returns.

Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you select suitable funds and construct a well-balanced portfolio aligned with your investment objectives.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Money
Hi I'm investing 1500 in nifty mid cap 150 index, 1000 in nifty next 50 index and 500 in nifty 50 index. 100 percent passive investment fpr long term. Any suggestions with allocation or diversification?
Ans: Here's a breakdown of your current portfolio and some thoughts on active vs. passive investing:
Current Portfolio:

Nifty Midcap 150 Index (1500): This is a good way to gain exposure to mid-sized companies in India.
Nifty Next 50 Index (1000): This provides exposure to companies on the cusp of joining the Nifty 50, potentially offering higher growth.
Nifty 50 Index (500): This offers diversification with large, established companies.
Overall, your portfolio is leaning towards a growth strategy with a good focus on mid-cap and small-cap companies. This has the potential for higher returns but also comes with higher risk.

Active vs. Passive Investing:

Active Funds: These are managed by professionals who try to outperform the market by picking winning stocks. While active management can be successful, studies show that over the long term, a large percentage of actively managed funds underperform their benchmark index. The fees associated with active management also eat into returns.

Passive Funds (Index Funds): These track a market index, like the Nifty 50. They offer lower fees and historically, tend to match or outperform a significant portion of actively managed funds. This makes them a good option for long-term investors who don't want to spend a lot of time managing their portfolio.

Here's why your current approach with index funds is a good strategy for long-term investing:

Low Cost: Index funds have minimal fees, allowing you to keep more of your returns.
Diversification: You're already diversified across different market segments, reducing risk.
Long-Term Focus: With a long-term outlook, riding out market fluctuations is easier, and index funds tend to perform well over time.
Here are some additional thoughts:

Asset Allocation: Consider your risk tolerance and investment goals. You could adjust your weightings between the Nifty 50, Next 50, and Midcap 150 to achieve your desired risk profile.
Rebalancing: Periodically rebalance your portfolio to maintain your target asset allocation.
Ultimately, the decision of active vs. passive is yours. However, for a long-term investor with a focus on low costs and diversification, a passive approach with index funds is a well-supported strategy.
Lastly, if you're open to exploring active funds, consider consulting with a professional Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. They can provide personalized advice and recommend active funds that have the potential to outperform their respective indices over time.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Money
Dear sir My sister is a heart patient and spending around Rs 5000 per month.She is a widower and age arround 65. I want to deposit an amount of ? 1500000.00 in her name at Senior citizens scheme apart from already deposited 400000 lac. I put my daughter name, her grandchildren name as nominee. Any hurdles in this one. Please send the reply to me
Ans: It's heartwarming to see your concern for your sister's well-being, especially given her health condition. Depositing an additional amount in her name under the Senior Citizens Savings Scheme (SCSS) can indeed provide her with financial security during her retirement years.

As for the nomination process, nominating your daughter and her grandchildren as beneficiaries is a thoughtful gesture. However, there might be some considerations to keep in mind:

Consent: Ensure that your sister is aware of and agrees to the nomination arrangement. It's essential to respect her wishes and ensure that she is comfortable with the decision.
Legal Requirements: Verify if there are any specific legal requirements or restrictions regarding nominees for SCSS accounts. While nominating family members is common, it's prudent to confirm compliance with applicable regulations.
Contingency Planning: Consider discussing contingency plans with your daughter regarding the management of the funds in case of your sister's demise. This ensures a smooth transition and effective utilization of the funds for your sister's intended beneficiaries.
Documentation: Complete all necessary paperwork accurately and ensure that the nomination details are correctly recorded in the SCSS account documents.
Consulting with a financial advisor or legal expert can provide personalized guidance tailored to your sister's situation and help navigate any potential hurdles or concerns. Your proactive approach to securing your sister's financial future demonstrates care and foresight, and with careful planning, you can ensure that her needs are well-addressed.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Money
Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.
Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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